One of World Insurance Company's goals is to offer the best products to our customers and to use their premiums wisely. To attain this goal, we continue to examine many of our processes for efficiencies and quality improvement opportunities. One process we identified for improvement is the auditing of claims. The purpose of this critical process improvement is to ensure that all claims are submitted according to CPT IV Coding Guidelines, the American Medical Association, current health care trends and Centers for Medicare and Medicaid Services (CMS) guidelines.
Because our customers health care partners play an important role in our business, we want to provide you with background of the ClaimCheck® claims auditing system. We use standardized coding guidelines to ensure that we consistently and efficiently adjudicate claims applying national coding standards.
World Insurance is applying a set of basic premises to auditing of claims. We:
- Will not add code lines to a claim.
- Will not automatically 'down code' Evaluation and Management codes.
- Will not process charges with inappropriate CPT code or coding combination submissions.
- Will provide information to customers and providers through customer service calls.
- Will perform reconsideration and appeals on re-submitted claims or when additional information is provided for a denied claim.
- Will provide the coding guideline source to support claims payment decisions.
World will screen claims to ensure they are billed appropriately and if not, they will be denied. When World Insurance is unable to process a claim as submitted, a detailed explanation of benefits will be sent to the provider and customer. In some instances, the provider will be asked to resubmit a claim with the corrected coding or with additional information.
Our customer service representatives received training on the claims auditing system and are available by telephone. They will be able to field questions and provide information to customers and providers on reconsideration procedures. Specially trained staff will assist with reconsideration of claims, and a Medical Director will be available for consultation when needed.
Each year, our claim auditing system will be updated to include the most current CPT and ICD-9 codes. In addition to this annual update, we will make other enhancements during the policy year to improve our claims processing efforts.
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